Genetic Tests and Health Insurance: Results of a Survey

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DIANE Publishing, 1992 - 78 pages
A survey of commercial insurers, Blue Cross and Blue Shield plans and HMO1s that offer individual or medically underwritten group policies, and their attitude toward reimbursement for genetic tests or policies for using tests results in underwriting. Summarizes information about cystic fibrosis and presents additional results that pertain to the broader topic of health insurers1 practices and attitudes toward genetic information and genetic tests for diseases other than cystic fibrosis. 22 tables and charts.

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Page 77 - Adverse selection: The tendency of persons with poorer than average health expectations to apply for or continue insurance to a greater extent than persons with average or better health expectations. Also known as "antiselection.
Page 2 - Health Insurance Association of America, Source Book of Health Insurance Data, 1991 (Washington, DC: Health Insurance Association of America, 1991), Table 4.8, p. 67. 1986-1988 Country Rate* Country Rate* Japan 5.0 Spain...
Page 33 - Insurers generally believed that it was fair for them to use genetic tests to identify those at increased risk of disease; slightly more than one-fourth of medical directors indicated that they disagreed somewhat that such use was fair.
Page 32 - Thirty-four medical directors (67 percent) from commercial insurers said they "agree strongly" or "agree somewhat" with the statement that "it's fair for insurers to use genetic tests to identify individuals with increased risk of disease." Thirty-eight respondents (74 percent) from commercial insurers agreed strongly or somewhat that ' ' an insurer should have the option of determining how to use genetic information in determining risks.

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